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  DCU Visa Platinum® Secured Credit Card

DCU Visa Platinum® Secured Credit Card

in Personal Credit Cards from Digital Federal Credit Union

Unaffiliated

DCU Visa Platinum® Secured Credit Card

Unaffiliated

in Personal Credit Cards from Digital Federal Credit Union

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Highlights
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Community Rating

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Purchase APR  (Variable APR) 11.5%
Balance Transfer APR  (Variable APR) 11.5%
Credit Score Range 300 - 640
Annual Fee $0

DCU Visa Platinum® Secured Credit Card Review

DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union. If you're wondering whether DCU Visa Platinum® Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Competitive APRs. DCU Visa Platinum® Secured Credit Card has a variable purchase APR of 11.5%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Accepts cosigners. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel accident insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

DCU Visa Platinum® Secured Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • DCU Visa Platinum® Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

Is there a DCU Visa Platinum® Secured Credit Card cash back or rewards program?

No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.

What are the DCU Visa Platinum® Secured Credit Card benefits?

DCU Visa Platinum® Secured Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for DCU Visa Platinum® Secured Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. DCU Visa Platinum® Secured Credit Card has lower than average purchase APRs.

DCU Visa Platinum® Secured Credit Card has a variable purchase APR of 11.5%. The card has a variable balance transfer APR of 11.5% . It also has a variable cash advance APR of 11.5% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does DCU Visa Platinum® Secured Credit Card have an introductory APR offer on balance transfers?

No, DCU Visa Platinum® Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does DCU Visa Platinum® Secured Credit Card have an introductory APR offer on new purchases?

DCU Visa Platinum® Secured Credit Card does not offer an introductory rate on new purchases.
DCU Visa Platinum® Secured Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for DCU Visa Platinum® Secured Credit Card?

The following fees apply to DCU Visa Platinum® Secured Credit Card:

  • There is no overlimit fee
DCU Visa Platinum® Secured Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $35

Does DCU Visa Platinum® Secured Credit Card have a foreign transaction fee?

DCU Visa Platinum® Secured Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?

DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for DCU Visa Platinum® Secured Credit Card

  • Visit the DCU Visa Platinum® Secured Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Card Type
  • Bad Credit
  • Balance Transfer
  • Low Interest
  • Secured
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
Lost Luggage Insurance  
Travel Insurance  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 11.5%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.5%
Balance Transfer APR (Variable APR) 11.5%
Balance Transfer Fee % 0%

DCU Visa Platinum® Secured Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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